We only use any personal data we collect through your use of the app, online portal and the service in the ways set out on our website “Privacy and your personal information”

The Furness Savings app and portal uses cookies and similar technologies in order to enable core functionality such as information security, network management and accessibility.

Our app and portal also use tracking technologies such as Google Analytics to analyse usage patterns, optimise performance and troubleshoot issues related to the app.

We also capture data related to button clicks and web requests that are sent by our app, and error messages and stack traces may be captured when crashes occur.

Personal data may be captured via such cookies and technologies, during the course of monitoring. This data is utilised only for analysing app usage and performance. We will only use this type of technology if you provide us with your . You can update and manage your consent preferences at any time via the Data Consents tab in the Settings section of your Online Account.

For further information about how we use cookies and similar technologies, please read our Cookie Policy which can be found on our Website via the following link:�https://www.furnessbs.co.uk/cookie-policy.

Your use of the services shall also be governed by any terms and conditions which you agreed to when you began using specific services provided by Furness Building Society.

The ways in which you can use the app may also be controlled by the rules and policies of the app store from which you downloaded the app (e.g. Apple’s App Store and Android’s Google Play).

Terms and conditions of the app store you used to download the app can be found when you download the Furness Savings app. The terms and conditions of the app store you used to download the app will apply instead of these terms where there are differences between the two.

Once you have been onboarded onto our digital service (and you have received a username from us for your Online Account), you can use the app and the portal to do the following:

• View the balances of Accounts you have with us.
• Set-up and manage ‘contacts’ - nominated Accounts which you can send money to.
• Withdraw funds from any Account you hold with us (so long as the terms of that Account allow you to make a withdrawal). Funds
• withdrawn may only be sent to your ‘nominated account’.
• Transfer funds from any Account you hold with us to any other Account you also hold with us (so long as the terms of the other Account allow you to deposit funds within it).
• View information about our branches.
• Apply for a new Account as an existing Member.
• Apply for a new Account as a new Member.
• Close an Account.
• Add maturity instructions to an Account.
• Send and receive secure messages, including ‘live chat’.
• Update personal and contact information.
• Log out of your Online Account on the app and portal.

Please note, if you try to withdraw funds from an Account and it results in your remaining balance being less than the minimum permitted balance for that Account, the request may be refused.

Your use of the app is free of charge. However, your internet or service provider may charge you for using data on your smartphone or tablet device.

The app may not be compatible with older versions of iOS and Android operating systems. Please check with us.

As the app continues to be enhanced, please refer to the App Store or Google Play for up-to-date information on the minimum requirements needed to be able to run the app on your mobile or tablet device such as the amount of memory required.

Go to the App Store or Google Play and download the app.

Once downloaded, open the app. If you have already registered for an Online Account with us, enter your online services username and password. To register for an Online Account, please visit our website: https://www.furnessbs.co.uk/digital 

Enable Touch ID/Face ID (if supported on your device).

You must have registered for an Online Account with us in order to use the app/portal and the service.

You must already have a savings account opened with us before registering for an Online Account.

If you want to learn more about the app or service, you think it is faulty or mis-described, or you wish to contact us for any other reason, please contact our customer service team.

at www.furnessbs.co.uk/contact-us 

If we have to contact you for any reason regarding your use of the app we will do so by telephone, email or letter using the contact details you have provided to us.

We may also send you a Secure Message via the app/portal.

In return for agreeing to comply with these terms you may:

• Download a copy of the app onto a mobile or tablet device and view, use and display the app and the service on such device for your personal purposes only.
• Receive and use any free supplementary software code or app update incorporating corrections of errors we may provide to you.
• Link your Online Account to your personal devices.
• If we detect your device has been compromised in a way that may allow unauthorised access or malicious software to be installed onto your device, we reserve the right to prevent you accessing the app using that device.

You may use the app and portal for a joint Account if instructions can be accepted from an individual Account holder. Our app/portal is not available if two or more Account holders are required to jointly authorise transactions. Each joint Account holder must register separately for access to their Account(s) via an Online Account and must always use their own passcode.

By applying to register for an Online Account in relation to a joint Account, you confirm all joint Account holder(s) are happy for you to individually access the joint Account(s) via the app/portal. We will suspend your use immediately if we are notified at any time by a joint Account holder that they wish to change the Account mandate to require joint authorisation. If such a request is received, we may terminate your use of the app/portal in relation to that joint Account or close your Online Account.

If you fail to provide the correct security details multiple times in a row, we'll block further online access to your Online Account and your accounts. You must Contact Us to have the device unlocked. 

No. We are giving you personally the right to use the app and service as set out above in section 11. You may not otherwise transfer the app or service to someone else, whether for money, for anything else or for free. If you sell any device on which the app is installed, you must remove the app first.  

We may need to change these terms to reflect changes in law, regulations or best practice or to deal with additional features which we introduce. Where necessary, we will give you notice of these changes by email.

We’ll tell you when we make changes by email and/or push notification on the app. How we tell you depends on the change we’re making.
For changes which don’t require us giving you notice in advance, for example, changes to app/portal functionality, or which change the way we interact with you via the app/portal, we will update the information [in the release notes on the app, on our Website and in branch].

For changes which impact the way we provide services to you via the app/portal, you may be required to accept the new terms to continue use the app/portal.

If you do not accept the notified changes you will not be permitted to continue to use the app/portal and the service.

From time to time, we may automatically update the app and change the service to improve performance, enhance functionality, reflect changes to the operating system or address security issues. Alternatively, we may ask you to update the app for these reasons.

If you choose not to install such updates or if you opt out of automatic updates, you may not be able to continue using the app.

The app will always match the description of it provided to you when you install it on your device.

If you download or stream the app onto any mobile or tablet device not owned by you, you must have the owner's permission to do so. You will be responsible for complying with these terms whether or not you own the mobile or device.

As the app/portal allows you to access your Accounts, you should always keep your Online Account username and password safe and secure. Do not share with anyone or allow anyone to log in to your Online Account using the app or portal.

You should always keep the device on which the app is stored secure and log out of your Online Account when you have finished using the app or portal.

Some devices now have Biometric features which enable you to login to the apps on your device. If you share your device with someone and their Biometrics are registered on that device, that person may be able to login to your Online Account and view your Accounts. As such, you should disable Biometrics if you share your device to protect the security of your Online Account.

We do not store Biometric data. This is stored on the registered device(s).

We will never ask for your login details by telephone or email. If anyone requests your login details, please do not provide them and inform us straight away – see our Contact Us page of the Website.

Security is paramount and whilst we have taken every precaution when developing and testing the app/portal to ensure it is robust, there is always a risk that internet transmissions are never completely private or secure. Any message or information you send using the app/portal or any service may be read or intercepted by others, even if there is a special notice that a particular transmission is encrypted.

Please tell us straight away if you believe someone has access to your login details.

When using the app/portal or the service we collect technical information about the devices you use (for example the model of the device and its operating system) and related software, hardware and peripherals.

Our collection and use of this information is via cookies, some of which, for example, for security, we deploy as essential to the service, and others where, for example, we use this information to improve our products and services, is only done where you have given your consent.

For further information please read our Cookie Policy which can be found on our Website via the following link: https://www.furnessbs.co.uk/cookie-policy

If a security issue arises, or you inform us of one (for example that someone has accessed the app/portal using your login details) we may revoke your login details.

If we revoke your login details, you will be issued with a password reset email and you will be able to reset your password and resume use of the app/portal.

The app/portal may contain links to other independent websites which are not provided by us. Such independent sites are not under our control. We are therefore not responsible for, nor have we checked and approved their content or any privacy policies.

You will need to make your own independent judgement about whether to use any such independent sites, including whether to buy any products or services offered by them.

You agree that you will:

• Not rent, lease, sub-license, loan, provide, or otherwise make available, the app/portal in any form, in whole or in part to any person without prior written consent from us.
• Not copy the app/portal or the service, except as part of the normal use or where it is necessary for the purpose of back-up or operational security.
• Not translate, merge, adapt, vary, alter or modify, the whole or any part of the app/portal, nor permit the app/portal or any part of them to be combined with, or become incorporated in, any other programmes, except as necessary to use the app/portal on devices as permitted in these terms.
• Not disassemble, de-compile, reverse engineer or create derivative works based on the whole or any part of the app/portal, nor attempt to do any such things. This is except to the extent that (by virtue of sections 50B and 296A of the Copyright, Designs and Patents Act 1988) such actions cannot be prohibited because they are necessary to decompile the app/portal to obtain the information necessary to create an independent program that can be operated with the app/portal or with another programme ("Permitted Objective"), and provided that the information obtained by you during such activities:
  • is not disclosed or communicated without our prior written consent to any third party to whom it is not necessary to disclose or communicate it in order to achieve the Permitted Objective;
  • is not used to create any software that is substantially similar in its expression to the app/portal;
    is kept secure;
  • is used only for the Permitted Objective
• Comply with all applicable technology control or export laws and regulations that apply to the technology used or supported by the app/portal.

You must:

• Only use the app/portal to view your Accounts with us or make transactions in relation to those Accounts.
• Not use the app/portal in any unlawful manner, for any unlawful purpose, or in any manner inconsistent with these terms, or act fraudulently or maliciously, for example, by hacking into or inserting malicious code, such as viruses, or harmful data, into the app/portal or services or any operating system.
• Not infringe our intellectual property rights or those of any third party in relation to your use of the app/portal (to the extent that such use is not licensed by these terms).
• Not transmit any material that is defamatory, offensive or otherwise objectionable in relation to your use of the app/portal.
• Not use the app/portal in a way that could damage, disable, overburden, impair or compromise our systems or security or interfere with other users.
• Not collect or harvest any information or data from the app/portal or our systems or attempt to decipher any transmissions to or from the servers running the app/portal.
• Follow all laws that apply to you when using the app/portal.

All intellectual property rights in the app/portal throughout the world belong to us (or our licensors) and the rights in the app/portal are licensed (not sold) to you. You have no intellectual property rights in, or to, the app/portal other than the right to use them in accordance with these terms.

We are responsible to you for foreseeable loss and damage caused by us. If we fail to comply with these terms, we are responsible for loss or damage you suffer that is a foreseeable result of our breaking these terms or our failing to use reasonable care and skill, but we are not responsible for any loss or damage that is not foreseeable. Loss or damage is foreseeable if either it is obvious that it will happen or if, at the time you accepted these terms, both we and you knew it might happen.

We do not exclude or limit in any way our liability to you where it would be unlawful to do so. This includes liability for death or personal injury caused by our negligence or the negligence of our employees, agents or subcontractors or for fraud or fraudulent misrepresentation.

If defective digital content that we have supplied damages a device or digital content belonging to you, we will either repair the damage or pay you compensation.
We are not liable for business losses. The app/portal are for domestic and private use. If you use the app/portal for any commercial, business or resale purpose we will have no liability to you for any loss of profit, loss of business, business interruption, or loss of business opportunity.

We are not responsible for any events outside our control. If we are delayed in carrying out anything we have promised to do under this agreement due to an event which is outside of our control, we will take steps to minimise the effects of the delay. Provided we do this, we will not be liable for delays caused by the event but if there is a risk of substantial delay you may Contact Us to end this agreement. In such circumstances, if you end this agreement, you must stop all activities authorised by these terms (including your use of the app/portal) and delete the app from all devices in your possession.

The app/portal are provided for general information purposes only. They do not offer advice on which you should rely. We make no representations, warranties or guarantees, whether express or implied, that information provided via the app/portal is accurate, complete or up to date.

The app/portal have not been developed to meet your individual requirements. Please check that the facilities and functions of the app/portal and services (as described on the App Store or Google Play site) meet your requirements.

We may end your rights to use the app/portal or services at any time by contacting you if you have broken these terms in a serious way. If what you have done can be put right, we will give you a reasonable opportunity to do so.

If you no longer have an Account with us then we may also end your rights to use the app/portal or services at any time, as you will no longer have a need to use them.

If we end your rights to use the app/portal:

• We may revoke your login details immediately.
• You must stop all activities authorised by these terms, including your use of the app/portal.
• You must delete or remove the app from all devices in your possession and immediately destroy all copies of the app which you have and confirm to us that you have done this.

You may close your Online Account at any time by selecting the Close Account option under the Account Details section of the app/portal. If you no longer have an Online Account with us, please delete or remove the app from your device(s).

This agreement does not give rise to any rights under the Contracts (Rights of Third Parties) Act 1999 to enforce any term of this agreement.

Each of the paragraphs of these terms operates separately. If any court or relevant authority decides that any of them are unlawful, the remaining paragraphs will remain in full force and effect.

Even if we delay in enforcing this contract, we can still enforce it later. If we do not insist immediately that you do anything you are required to do under these terms, or if we delay in taking steps against you in respect of your breaking this contract, that will not mean that you do not have to do those things and it will not prevent us taking steps against you at a later date.

These terms are governed by English law and you can bring legal proceedings in respect of the products in the English courts.

If you live in Scotland you can bring legal proceedings in respect of the products in either the Scottish or the English courts.

If you live in Northern Ireland you can bring legal proceedings in respect of the products in either the Northern Irish or the English courts.

Alternative dispute resolution is a process where an independent body considers the facts of a dispute and seeks to resolve it, without you having to go to court. If you are not happy with how we have handled any complaint, you may want to contact the alternative dispute resolution provider we use. You can submit a complaint to the Financial Ombudsman Service via their website at http://www.financial-ombudsman.org.uk/, by email at complaint.info@financial-ombudsman.org.uk or by post to The Financial Ombudsman Service, Exchange Tower, London E14 9SR. The Financial Ombudsman Service will not charge you for making a complaint and if you are not satisfied with the outcome, you can still bring legal proceedings.